Vision Insurance
Heartland Health Insurance realizes the importance of a person’s sight, in order to promote overall quality of life. Maintaining optimal vision is critical for many people who rely on their sight to perform daily activities, work, drive, participate in athletics, take care of family, and so much more.
Vision Insurance vs. Vision Discount Plan
The difference between vision insurance and a vision discount plan is subtle, but important when considering which option to choose for you and your family.
With vision insurance, claims are filed similarly to health insurance, and you will pay your portion of the coinsurance to the eye care professional at the time the service is rendered. Once the claim is processed and approved, the insurance carrier will pay out the benefit amount to the provider directly.
With a vision discount plan, the provider agrees to give you discounted fees for many eye care related services, and you pay the full, discounted amount at the time the service is rendered directly to your provider. There are no claims to file, nor any payments issued by the insurance carrier to the provider on your behalf.
Both options require a monthly payment, either as a premium or membership fee. Both options also may or may not have a network of providers you are required to see.
Generally speaking, more eye care professionals are able to accept vision insurance as opposed to a vision discount plan. However, both options can save you and your family money with regards to maintaining optimal eyesight.
